Full resolution (JPEG) - On this page / på denna sida - Second part - XVI. Labour Legislation and Social Statistics - 1. Labour Legislation. By A. Raphael, Ph. D., D. C. L., Stockholm - Accident, Incapacity, and Old Age Insurance. Compensation for Injury arising from Accident while at Work
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accident, incapacity and old age insurance.
1073
eldest while in the pannit ef their work, at the charges of their employers
and in a national insurance office established by the State, in which also it
should be possible for voluntary insurance against accident under the same
conditions to be effected; such employers, however, as should be shown to have
already made satisfactory provision for compensating their workmen in case of
accident, should be liberated from the obligation of insuring in the office so
instituted. The compensation rates were determined irrespective of the amount of
wages the injured workman was in receipt of. The bill was thrown out by the
Riksdag, however, and the same fate befell a new bill on the same lines brought
in during the following year.
Meantime the proposals of the Workmen’s Insurance Committee
with regard to Old Age Pensions had been handed in, but as the
Government considered that the question had not as yet been sufficiently
investigated, and that, moreover, it might be more feasible to deal
with both Old Age Pensions and Accident Insurance in conjunction
with, and as corollaries of, the question of insurance against
Incapacitation of whatever sort, it appointed in November 1891 a new
committee, »The New Insuranoe of Workmen Committee», to reconsider
the question in all its bearings. In March 1893 the committee handed
in its report, consisting for the most part of a proposal, drawn up by
Professor A. Lindstedt, with a view to an Insuranoe Bill that should
enact the allotment of pensions in cases of permanent disability for
labour, and the bill introduced into the Riksdag by the Government in
1895 was in all essentials based upon that proposal.
By the terms of that bill employer’s assistants, engaged in trade, industry or
handicraft, foremen of works, manual labourers, and any persons engaged in
employments which placed them in the same category as workmen, were all to be
compulsorily insured in a central public office against any permanent incapacity
for work, from whatever cause that might arise, whether it were advancing years,
accident while at work, or anything else. Exception to the universality of
application of this insurance was to be made for: those under 18 years of age, those whose
annual income from labour exceeded 1,800 kronor (£ 100), and those who had not
had employment for all the days of at least one calendar week in the year with
one and the same employer. The insurance was, on the other hand, to include
the workmen’s wives and children. Those on whom the .obligation rested to be
insured were to be divided into three classes: men in receipt of more than 10
kronor (11 shillings) a week; men with less than that amount; and women. The
pension fee to be paid by these three classes was fixed at 25, 15, and 10 öre a
week respectively (3Va, 2, and 1’/’ d.), while the employers were required to
give 15, 10, and 5 öre (2, lVa, and 2/3 d.) respectively; any employer, however,
who should in any year be taxeid, either for real estate at a maximum of 3,000
kronor (£ 165), or for income derivable from capital and labour at a maximum
of 800 kronor (£ 44), was to be entitled to have the sums returned which he
had paid down during that year as pension fees for his workmen.
The State was to take upon itself the cost of administration, calculated to
amount to about 2 % of the total amount received in the shape of premiums;
further, the amount required to render the generation then between the ages of
18 and 40 participant in the insurance for themselves and for their wives and
children; and, finally, a guarantee for pensions already granted and, to a given
amount, a guarantee also for pensions to be granted in the future.
Svedm. 68
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